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Recommendations for SPANISH SPEAKING financial planners?

Can anyone recommend a Spanish-speaking, fee-only financial planner who works with non-rich clients, possibly in the NYC area? [more inside]
posted by copacetic on Aug 5, 2014 - 1 answer

Financial Assistance for Adding New Siding With Insulation.

I posted a question last year about safely scraping peeling lead paint from my house and repainting. Pros estimate $25-30K (yikes!). One reply suggested that "It may...be cheaper to just get rid of the old wood siding and just install some new one. If you do that, you might want to look into adding insulation; there could be programs that would provide some financial assistance." Does anyone have a suggestion as to how to find such a program? FWIW I'm in Westchester county in NY state.
posted by Quisp Lover on Jul 28, 2014 - 6 answers

How can you establish credit if you've never had a credit card or loans?

I've never been in debt, I've never had a credit card, I have money in a bank account, but today I went to look up my credit report and there was nothing in it. I'm not planning on making any big purchases in the next two years, but I'm sure eventually I'll want to buy a house or a car. How can I build up my credit, given that many places won't give me a credit card due to the fact I have no credit score? [more inside]
posted by Archibald Edmund Binns on Jul 18, 2014 - 20 answers

How do I negotiate my lease terms?

I've found a sufficient space to rent so I don't end up with a two hour commute each day. However, the terms of the lease are kinda iffy when it comes to vacating the lease early... Help me out? [more inside]
posted by Driven on Jul 14, 2014 - 21 answers

Remembrance of Financial Catastrophes Past

Asking on behalf of a friend (let's call her "Liz"): can a credit restoration company help fix a credit report with multiple charge-offs? If not, what CAN be done? Sadly drifting swirls of bleak gray snowflakes within... [more inside]
posted by julthumbscrew on Jun 24, 2014 - 9 answers

How can I protect my money in light of the coming financial collapse?

There has been a lot of talk about an imminent financial markets bubble and I find that I am heavily invested in the S&P500 through an IRA (rolled over from a 401K after I was laid off). I also have a relatively small amount invested through a standard brokerage account, but the majority is in the IRA. I don't know jack about sigma events or black swans, but I can recognize when the chatter is starting to form a cohesive message. I also know that I have a ton more exposure now than in 2009. In fact, the post crash boom years have been quite good to me. My question is obviously, is there a proven strategy to protect against a coming financial crash? At what point do I pull the trigger and put everything into bonds? Is there a hedge against a collapse? My fantasy is that I pick the right time to pull everything and then clean up post crash on rock bottom blue chip stocks. [more inside]
posted by MajorDilemma on May 20, 2014 - 14 answers

Give up financial stability to move where you'd prefer to be?

My heart says one thing, but my head says another, and I am paralyzed in making any kind of decision. I need help, thoughts, opinions, anything. [more inside]
posted by umwhat on Apr 30, 2014 - 44 answers

1.85% on 45k student loan - just pay the minimum?

So, I'm selling my house and will have some extra cash, finally. I have a consolidated student loan that after years of steady payments, has come down to a very low 1.85% interest rate. Given the current economic conditions, and an intense desire to have my money work hard for me after years of being in the doldrums, should I up the payment and try to save a tiny bit on interest? Or would it be better to stuff my IRA, or put money into a no-load fund or index? [more inside]
posted by ihavequestions on Apr 11, 2014 - 13 answers

Money & Anxiety

I'm 34 years old and I got lucky in my current job and have been able to generate way more income than I need. I have everything I want, am doing all that I can when it comes to retirement savings/putting money away. Two part question: 1) What else should I be doing to ensure financial stability forever? 2) Is it weird that I don't have a strong desire to go buy stuff/do stuff/spend excessively? [more inside]
posted by anonymous on Mar 23, 2014 - 32 answers

explain retirement to me like i'm 5.

help a girl figure some stuff out and (hopefully) not be completely SOL when she's old. [more inside]
posted by koroshiya on Mar 18, 2014 - 20 answers

How do I find a financial planner or retirement advisor?

We need a financial planner in Los Angeles. Or an advisor, I don't know the difference. Difficulty level: poorly organized procrastinators. My husband will be retiring in 3-4 years. I don't reach retirement age for several years more, though I could take "early retirement" from my company next year. Between us we have 2 pensions, 2 401Ks, 2 health insurance plans, a bit in savings bonds and a tiny IRA. We have a house that will be paid off in 3 years. And we have a lot of things we want to do in retirement. We're doing reasonably well negotiating where we'd like to live and what kind of place, but we have no idea what we can afford and/or if I can afford to retire with him. [more inside]
posted by SLC Mom on Mar 17, 2014 - 3 answers

Should I renew my life insurance policy?

My parents bought whole life insurance when I was born and it needs renewed. I was going to let it lapse, they want me to renew - do I really need life insurance? [more inside]
posted by lpcxa0 on Feb 20, 2014 - 18 answers

Help my friend find a lawyer to represent him for banking in Mexico

My friend has an HSBC Mexico account, that had about 40,000 dollars in it.. he didn't use the account for a year, he called today to get a new checkbook, and found out the account had zero balance in may of 2013, and the account was closed. HSBC Mexico said they can't give more information unless he goes in person to a branch in Mexico. He is willing to hire a lawyer, or Power of attorney, or someone to investigate this in Mexico who legally represent him. He is currently far from mexico and can't make it there any time soon. His mom is in Mexico, can she get power of attorney?

Any advice on how to do this? How can he go about finding a lawyer in Mexico who can help him? Or what actions can he take? He suspects fraudulent activity as he did login to his internet banking last year and saw all his money there.
posted by lijiaxiaoniu on Feb 20, 2014 - 2 answers

How can I write a script so that it's cheap to make?

For those who have made movies, I have heard that the cheaper you can write a movie (This is of course presuming your script is already awesome!) the greater your chances are of having it bought. I am more than happy to work creatively within such constraints, but I was wondering if there were scenes that counterintuitively cost a lot that a first-time writer wouldn't know about, and vice versa. [more inside]
posted by Sully on Jan 28, 2014 - 26 answers

Explain to me why trading stocks is a good thing

After reading stories like this, I've been wondering about the financial industry's larger role in the world. Other than the people that run the system, who benefits from the financial industry and how? [more inside]
posted by lalunamel on Jan 25, 2014 - 13 answers

My New Strategy: Advice on a relatively small student loan?

I have always paid for my school out of pocket. I need to pay for about $3,000 in school fees so I can try and finish my BA. I did the FAFSA, but my school has me on financial aid cancellation because I haven’t made ‘significant progress’ and completed my degree in the time allotted. How do I find a good, reasonable loan so I can get to the finish line and not have much debt? [more inside]
posted by Driven on Jan 23, 2014 - 18 answers

Step by step guide to get our future married house in order?

We're getting hitched! Yay! I freak out about money, and I freak out that my fiancé doesn't freak out about money as much as I freak out. Is there a good step-by-step guide you'd recommend that we can go through together to make sure we're covering all of our bases for saving for retirement, saving for other stuff, and paying down debt?
posted by ashtabula to opelika on Jan 16, 2014 - 12 answers

Important aspects of planning for your family

Hi all, Belated Happy New Year everyone! I am a 32yr old single mother of a beautiful 1yr old, and this year I’ve decided to plan ahead to help me fulfill my parenthood responsibilities to the best. We are a US middle-class family of two. Originally not from this country, I need to research several important aspects of planning for a future here. I hope to get some useful suggestions from those of you who are savvy about these things :-) [more inside]
posted by Spice_and_Ice on Jan 6, 2014 - 15 answers

Is this investing in my future or is this a stupid decision?

I've been offered to be hired where I have been a contractor. However, there is a health insurance issue that would cost me a lot of money for several months. But I would have a great retirement plan. I have nothing in savings and $100k I just consolidated in student loans, so this issue is just complicating things. [more inside]
posted by McSockerson The Great on Dec 15, 2013 - 14 answers

Reliable sources of corrective financial advice in South Carolina?

My in-laws in South Carolina, who don't have a stellar history with money, are facing some challenges that are really restricting their circumstances. They're not against cleaning up their act in terms of budgeting and being smarter about money, but don't really have a head for it. What's the best way to help from a distance? [more inside]
posted by Shepherd on Dec 5, 2013 - 6 answers

Wanted: Savvy retirement advice for a struggling youth

If I live until retirement age, I don't want to be broke. I am 24 and I want to start saving for retirement now, but I’m unsure how to go about it. I’ve heard good things about Vanguard, but I’m looking for some personal anecdotes and solid advice on how to go about this. [more inside]
posted by Driven on Dec 2, 2013 - 17 answers

Can I set up a payment distribution service without a license?

YANML-filter: Some colleagues and I are thinking of starting a service that distributes incoming payments amongst multiple recipients. So imagine something like Flattr, but instead of splitting a monthly budget between several people, you pay several people at once with a one-off payment. My question is: What do we need to do to avoid needing a Financial Services License? The answer might be 'nothing' but I'd rather not pay $$$$ to find that out, at least while other options are on the table. [more inside]
posted by cogat on Oct 20, 2013 - 2 answers

How to get good Financial Advice - Expat edition

Hi, I'm an Australian living in Asia temporarily. I've been looking for financial advice for my needs for a while, most of my cash is in a bank account in Australia and I figure I could do more with it than just have it sitting in a bank earning 3.5% interest (say for example around $30k ior so in the bank). [more inside]
posted by Admira on Oct 6, 2013 - 10 answers

How to help aging parents financially

My sibling and I (in our 40s) live in the same city; our parents (in their 70s) live in a nearby state. They are retired and in financial dire straits, due largely to various ill-advised decisions they made over the course of several decades. We need to figure out how we can help them in a way we can all live with. [more inside]
posted by anonymous on Aug 24, 2013 - 11 answers

An very unpleasant leave from my psychiatrist?

I went back to my psychiatrist to pick up a bill and a probably exchange of the Rx he just prescribed which I found is inappropriate for my medical condition. He asked me for $150 for this visit. Is it reasonable? [more inside]
posted by pack2themoon on Aug 8, 2013 - 20 answers

Help with finances during intensive college program

I've been accepted to the program of my dreams, but I'm not allowed to hold a job while in attendance, and my EFC is higher than my family can afford, so my school-determined need is too low for me to even support myself with loans. Are there any options I'm missing? [more inside]
posted by orchidgenes on Aug 4, 2013 - 17 answers

Financial planning for the poor?

I'm a formerly broke person who is beginning to become unbroke, although not without stumbling from time to time. I have a few strong goals - buy a house, get my student debt in order (not paid off - just in order), save up enough for a couple of large ($5000) purchases, improve my credit score to mortgage-minimum. I need help getting there. [more inside]
posted by Nyx on Jun 26, 2013 - 24 answers

Non profit financials

Where does one find financial statements (similiar to SEC filings) for non profit organizations [more inside]
posted by pakora1 on Jun 3, 2013 - 6 answers

Sending financial information via (unsecure) email: why not to do it

How can I misuse this bank account information? No, wait, that came out wrong. I’m looking for help justifying data security measures (at my office) for banking info. [more inside]
posted by Signed Sealed Delivered on May 29, 2013 - 9 answers

Am I being realistic?

I'm getting ready to have a possible "final conversation" about financial responsibility with my boyfriend. I just want to check in to see that I'm being realistic with today's economy. [more inside]
posted by anonymous on May 21, 2013 - 33 answers

Beating Inflation

I don't have a lot of debt or expenses, so my income keeps piling up in my checking account. Unfortunately, I don't know much about finance or investment. I want to make sure that I don't lose money year over year because of inflation, but pretty much all the CDs and savings accounts I've seen have an APY lower than the inflation rate (which is >= 1.5% according to various websites). I don't care about playing the stock market; all I want is to avoid losing my money through inaction. How do people in this situation keep up with inflation while at the same time minimizing their financial risk?
posted by archagon on May 16, 2013 - 15 answers

Financial Advisers - What's in it for them?

I hired a month-by-month financial adviser last year after my divorce to help me get things in order. The guy I worked with left the company last year on May 13. He called me yesterday, 366 days after he left from his new gig wanting me to be his client again. (non-compete plus 1) That's when things got weird. [more inside]
posted by bricksNmortar on May 15, 2013 - 9 answers

Self-employed and taxed up the wazoo?!

My husband made less than $10k this year but TurboTax is telling us he owes over $1k in taxes. Is that right?! [more inside]
posted by Mooseli on Apr 11, 2013 - 24 answers

Health insurance subsidy?

My wife and I are both graduate students living on about $30k a year in southeastern Pennsylvania. We're about to turn 26 and will be losing our health insurance coverage through our parents. Does the state of Pennsylvania or the government offer any sort of subsidies or vouchers to help us purchase our own insurance? [more inside]
posted by Aanidaani on Mar 30, 2013 - 13 answers

Planning to have a baby before getting married?

So, I'm trying to get some opinions here: My fiance and I have been engaged for 4 months and are in our mid-20s. We are both in school (undergrad for him, grad for me), but due to my income, we wanted to wait one more year, so that it would be financially better for us (e.g., paying tuition, etc). We are both interested in having children, however, something has come up for me health-wise (ulcerative colitis) that would make it less safe (because of medications) to have a baby later on, compared with now. Here are my questions for you: 1) Would you have a baby before marriage? What would be the reasons? 2) Has anyone actively planned this before? How did it work out? I know some would say suck it up and push up the wedding, but it would save us a good 20K or so.
posted by queenba on Mar 16, 2013 - 49 answers

401k/Roth undisclosed "Forfeiture Fee" halves retirement rollover. Help!

I recently rolled over my old 401K and Roth accounts through an old employer and held by ADP. Throughout the process, I was told the only fee would be the $50 "account transfer fee". But when the checks arrived half of my money was missing! [more inside]
posted by iheijoushin on Mar 11, 2013 - 8 answers

Do I need a bookkeeper, an accountant or someone else???

I have come to the conclusion that I am bad with money, and I need help. The question is, who can provide me with the help I need. I've researched various professions online and have a hard time telling who would best suit my needs: a bookkeeper, an accountant, a financial counselor, a daily money manager, someone else entirely?? More than one of these?? [more inside]
posted by buddylove on Mar 6, 2013 - 9 answers

Simple free banking reconciliation software for a small partnership?

Can anyone recommend simple-to-use, free, web-based software that can easily reconcile accounts for a small partnership? [more inside]
posted by ajp on Mar 5, 2013 - 6 answers

Tax Luddite

Should I e-file my taxes? Specific computer phobia (or phobia of the IRS) is involved. [more inside]
posted by bad grammar on Feb 26, 2013 - 21 answers

Who's the kid here?

My mom has what seems to be undiagnosed borderline personality disorder. For the last many years, she's burned bridges at work and let her self-loathing get the best of her, to the point that she's chronically unemployed, has alienated most of her friends, and has exhausted all her financial resources. She's hit rock bottom, with $0 in the bank and debts to pay. And she's turned to me for help, saying she doesn't know how to take care of herself. I'm 26. I'm struggling to pay back my own student loans. Please help me help my mom. This is in Canada. [more inside]
posted by anonymous on Feb 20, 2013 - 22 answers

Who should I invest with--HSBC or Edward Jones?

I have a sum of money that I'd like to invest. I currently bank with HSBC, and a friend of a friend works for Edward Jones. I have talked to both HSBC and the Edward Jones guy, and the spiels I got were fairly similar--they suggested 80/20 stocks/bonds, generally mutual funds and that sort of thing. Both advisors intimated 10% average returns over 5-10 years, and both are looking at about a 2.5% initial fee and then a little over 1% yearly. Basically, what I'm looking here is to park my money and watch it grow. What I want is a totally hands-off approach. I don't want individual stocks or commodities, I don't want to do this myself, I don't want to be constantly asked what I want my money put into. I just want to put my money into a fairly diverse portfolio and have it get bigger without giving me the chance to mess around with it and screw it up. [more inside]
posted by Slinga on Feb 8, 2013 - 15 answers

I'm not sure if I should discontinue my health insurance or not.

I'm not sure if i should discontinue my health coverage or not, and how to handle it - and if there's any way to *temporarily* discontinue my health coverage. [more inside]
posted by anonymous on Jan 30, 2013 - 8 answers

Achieving financial literacy

I want to find a person or class to help me understand basic tenants of financial literacy -- someone who can do everything from helping me create a basic household budet to helping me understand my taxes, retirement plan options, and what to do with my employer-granted stock. [more inside]
posted by pocketfullofrye on Jan 5, 2013 - 7 answers

Division of marital assets in Canada via RRSP and home equity.

Division of marital assets in Canada via RRSP and home equity. What are the pros and cons and what should be considered? [more inside]
posted by Chaussette and the Pussy Cats on Jan 4, 2013 - 9 answers

Any recommendation for a fee-only financial planner in the los angeles area?

My girlfriend has as long as I have known her, struggled with money problems. As a thoughtful and incredibly unromantic gift, I am getting her a meeting with a fee-only financial planner for her birthday. [more inside]
posted by punch_the_mayor on Dec 19, 2012 - 28 answers

Show me the money

Recommend us some o’ that personal finance software. [more inside]
posted by LonnieK on Nov 19, 2012 - 15 answers

Should I teach guitar lessons "under the table" or create a legitimate business?

Should I teach guitar lessons "under the table" or create a legitimate business? [more inside]
posted by Eradicator! on Oct 23, 2012 - 8 answers

You down with CFP? Yeah, you know me!

Looking for a financial advisor/planner (accountant, CFP, something else?) in or around Boston for a married couple with good saving habits (see my previous question) and a reasonably healthy-sized nest egg. A couple of additional salient details inside. [more inside]
posted by 5845(f)(1)(D) on Oct 16, 2012 - 2 answers

Help my child with Tourettes and ADD

Are there grants or financial aid for my 8 year old daughter who has Tourettes Syndrome and ADD? I need money to put her in a tutoring center and to put her in physical activity programs. [more inside]
posted by lynnie-the-pooh on Sep 15, 2012 - 4 answers

Disposable income--for the first time ever. What's normal?

I never had disposable income, so I'm realizing I have a weird relationship with money and things.  Now that I'm making enough to feel rich (without actually being rich?), what stuff would make my life way better?  What do normal people spend money on?  I can get over this on my own, right? [more inside]
posted by anonymous on Sep 10, 2012 - 76 answers

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